In addition to offering a great loan experience, we offer competitive loan rates! Those are subject to change any time and may vary on individual loans. All rates listed are APR.
We provide financing to purchase autos, trucks, boats, campers and travel trailers, motor homes, snowmobiles, four-wheelers, jet skis, and motorcycles.
We also provide:
To learn about your options for applying for loans, click here.
You may also stop in and visit with a Loan Officer, or contact our Loan Department at (320) 258-2190 or toll-free at (888) 252-2634 for complete information. Or, contact us by email.
|New Cars & Trucks||Rate|
|2016 & Never Been Titled|
Previously Titled and 2015 or older
Rates increase by 0.50% for vehicles older than 10 years (2006 or older) or more than 110,000 miles.
|RVs, Campers and Fish Houses||Rate|
|Must be titled|
|New & Used Motorcycles||Rate|
|Snowmobile, 4-Wheeler, Jet Ski, etc.||Rate|
|Checking Lines of Credit||Rate|
|Savings & Money Market||3.75%|
|Certificate of Deposits (CDs)||Rate|
|CD Rate + 2%||3.75%
Rates and terms on all loans are subject to credit approval. St Cloud Federal Credit Union uses a credit score to determine your interest rate. No loan rate at the Credit Union can exceed 18% APR.
- All rates are Annual Percentage Rates (APR).
- Loan rates are based on your credit rating. The rates quoted are our best rates and may be higher based on your credit report. The term of your actual loan may vary, depending on your needs.
* Rates listed with an asterisk above are based on a 0.25% discount with an active, qualified St. Cloud Federal Credit Union checking account.